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Sullivan Ventures

Property Finance

Short-term property finance, arranged at speed.

Bridge the gap between purchase, sale or refinance when a conventional mortgage cannot move quickly enough.

Facility
£50,000 to £25m
Term
3 to 24 months
Speed
Completion in 5 to 21 days
Security
First and second charge
What it is

Bridging finance is designed for situations where the capital needs to be available before a sale or refinance completes. Auction purchases can carry a 28-day completion deadline. A broken chain can leave days rather than weeks to complete. A bridge can also fund property that is not currently mortgageable, or refurbishment works that bring it into a condition suitable for longer-term finance.

The amount you borrow and the amount that reaches your account are not necessarily the same. Gross loan is the total facility before fees and any retained interest; net loan is the amount actually available to you. We make both clear from the outset, so you understand exactly what will be available on completion.

A credible exit is fundamental to any bridging facility. Whether that is the sale of the property, refinance onto longer-term debt or another defined repayment route, lenders will want to understand how and when the bridge will be repaid. The property provides the security; the exit provides the route out.

Who it suits
  • You have purchased at auction and are working to a fixed completion deadline.
  • A property chain has broken and you need to complete before another sale settles.
  • The property is not currently mortgageable but can be refinanced once works are complete.
  • You are undertaking refurbishment before selling or moving onto longer-term finance.
  • You need to complete faster than a conventional mortgage or term facility can realistically accommodate.

Enquire

Talk to us about bridging finance

Indicative terms in as little as 24 hours. Confidential, and no cost to you.

Confidential. We respond within one business day.

Call 07710 048050
How it works

From first call to funds drawn.

  1. 01

    Conversation

    We establish the security, the timescale and, before anything else, the exit.

  2. 02

    Terms

    Indicative terms with both the gross facility and the net advance stated in pounds.

  3. 03

    Valuation and legals

    Valuation instructed and solicitors engaged in parallel to protect the timeline.

  4. 04

    Completion

    Funds released on a clean title, in as little as five days where the valuation is in hand.

Common questions

The questions we're asked most about bridging finance. If yours isn't here, ask us directly.

Five days is achievable on a clean title with a valuation in hand. Two to three weeks is more typical.

Gross is the facility before fees and retained interest. Net is what reaches you. We quote both.

Sale of the asset or refinance onto a term facility. The exit must be evidenced, not asserted, and a weak exit is the most common reason a bridge is declined.

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